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UFB Direct vs Citibank

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Citibank? Read our comparison chart below.

UFB Direct specializes in online savings accounts with competitive APYs. The UFB Priority Savings has no monthly fees and comes with a complimentary ATM card, while the UFB Priority Money Market has balance requirements but offers check-writing privileges.

While Citibank has over 700 branches across the United States. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

Compare UFB Direct with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 UFB Direct
Member FDIC
Citibank
Member FDIC
 Learn MoreLearn More
 

UFB Direct

Citibank

SPECIAL OFFER
UFB Secure Savings - Earn up to 5.25% APY - Learn More

Read UFB Direct Review

OFFER
Enhanced Direct Deposit - Earn $300 Cash Bonus

Read Citibank Review

 

Benefits and Features

Savings
Up to 5.25% APY
  • CitiĀ® Accelerate High-Yield Savings: Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois.
  • CitiĀ® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CD
N/A
Check
Checking
N/A
Check
Money Market
Up to 5.25% APY
Check
Mobile App
iOS & Android
 
ATMsFree withdrawals at 91,000 ATMs across the nationMore than 70,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
Customer Service
Mon - Fri: 8 am - 5 pm PT
24/7 Live Customer Service (Telephone)
IRA CD 
Check
IRA Money Market 
Check
Locations
Online only
More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
 

CreditDonkey® Reviews

 UFB DirectCitibank
SavingsStarStarStarStarStarStarStarStarEmpty StarEmpty Star
Money MarketStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarStarEmpty Star
CDStarStarStarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • Competitive APYs
  • Easy online banking
Cons:
  • Limited transactions
  • No physical locations
Pros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Bottom LineSafe digital bank for high APYs on personal savings and MMAs... Read full reviewLarge national bank best for high balance customers... Read full review
 Learn MoreLearn More

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

    UFB Direct: Pricing information from published website as of 03/16/2024.

    Citibank: Pricing information from published website as of 03/15/2024. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

    Citibank: This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

    Citibank
    Member FDIC

    Enhanced Direct Deposit - Earn $300 Cash Bonus

    Earn $300 cash bonus when you open a new eligible checking account with Enhanced Direct Deposit and complete required activities. Member FDIC

    • Open a new eligible Citi Checking account with Enhanced Direct Deposits
    • Deposit at least two Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening.
    • Your total combined Enhanced Direct Deposit must equal $1,500 or more.
    • Earn a $300 cash bonus. Your cash bonus will be deposited to your open, eligible checking account within 30 calendar days after required activities have been completed.

    Which is Better: UFB Direct or Citibank?

    Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing UFB Direct or Chase.

    In short: UFB Direct's savings is outstanding.


    Articles on UFB Direct

    UFB Direct Review

    UFB Direct offers high interest rates. But is it a safe choice? Find out in this review.

    UFB Direct Savings vs Money Market

    UFB Direct offers high APYs on savings and money market accounts. Find out which one suits your financial needs best.

    Articles on Citibank

    Citibank Review

    Citibank, a CreditDonkey partner, offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

    Open Citibank Account

    Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

    Citi Savings Account Interest Rate

    Citibank boasts two savings accounts with varying rates and low fees. But which one should you open? Read on for all the details.

    Citibank Accelerate Savings

    Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

    Citibank Routing Number

    Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.

    Which Do You Think is Best?





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